More and more companies and agricultural entrepreneurs are investing in multiple home batteries to store energy and save costs. But what about insurance? Home batteries come with specific risks and considerations that need to be included in your policy. In this blog, we explain what you need to know about fire risk, policy conditions, and business coverage when you install multiple home batteries.

Why is insurance important for home batteries?

Home batteries are valuable installations that can suffer physical damage and pose risks to your property. Especially when multiple batteries are located in one place, the importance of good insurance increases significantly.

Important risks to consider:

• Increased fire risk due to heat development and technical defects.

• Damage to the batteries themselves from external factors such as water damage or theft.

• Possible liability towards third parties in case of incidents.

By taking out the right insurance for your home batteries, you ensure that you are well protected against financial damage.

Fire risks with multiple home batteries

Although modern home batteries are designed safely, there is always a small risk of fire. Especially in larger systems where multiple batteries are placed side by side, a good assessment of the risk is crucial.

Important considerations:

• Install batteries according to the manufacturer's guidelines and in accordance with fire safety standards.

• Ensure sufficient ventilation to prevent overheating.

• Use certified products and have the installation carried out by recognized installers.

• Consider installing smoke detection and automatic fire suppression systems in the battery room.

Good preparation and correct installation help to limit the risks, but insuring your home batteries remains essential.

What to pay attention to in the policy conditions?

Not every standard building or home contents insurance automatically covers damage to or caused by home batteries. It is therefore important to specifically look at the policy conditions.

Pay attention to the following points:

• Are batteries or energy storage systems explicitly included in the coverage?

• Are there specific requirements for installation, certification, or inspections?

• Is damage caused by short circuit, overheating, or explosion covered?

• Is there a maximum insured amount per battery or per location?

Consult with your insurer about the specific situation regarding your home batteries to avoid surprises.

Business coverage for home battery systems

When you use home batteries for business purposes — for example, at a business location or agricultural yard — you fall under different insurance conditions than with private use. Business insurance usually offers broader coverage but also imposes stricter requirements.

Important differences:

• Increased coverage for commercial properties.

• Attention to business interruption due to battery failure.

• Sometimes additional requirements for fire protection and maintenance intervals.

For business applications, always choose a policy that is tailored to your sector and the type of use of the home batteries.

The relevance of insurance in large-scale energy storage

With the rise of sustainable energy and home batteries, risk management is also becoming more important. Especially when you install multiple home batteries, good insurance is not a luxury but a necessity. By choosing the right coverage, you ensure that your investment is protected and that you can quickly recover in case of emergencies.

A well-considered insurance makes investing in home batteries not only safer but also much more worry-free.

Frequently asked questions about insurance for multiple home batteries

Does my existing homeowner's insurance cover damage to home batteries?
Not always. Check whether energy storage systems are explicitly included in the coverage.

Is fire risk really a big issue with home batteries?
The risk is small but present, especially with incorrect installation or the use of substandard equipment.

Do I need to inform my insurer when I install home batteries?
Yes, this is essential to maintain coverage and to comply with any additional policy conditions.

Are there separate insurance policies for energy storage systems?
Yes, some insurers offer specific packages for home batteries or energy storage installations.

Is business interruption due to home battery failure covered?
Only if you have a business interruption insurance that explicitly covers this.

Do I need an annual inspection for my insurance?
Often yes, especially for business applications. This may be a requirement for maintaining full coverage.

Is theft of home batteries covered?
That depends on your policy. Physical security is usually a requirement.